Housing cost overburden rate in Europe by country
Housing cost overburden rate across Europe (periods shown: 2020 · 2024 · 2025) ranges from 26.4% (Greece) down to 2.4% (Cyprus), against a euro-area average of 7.8%.
The housing cost overburden rate is the share of the population living in households that spend more than 40% of their disposable income on housing, after housing allowances. Housing costs include utilities such as water, electricity, gas and heating. It comes from the EU-SILC household survey and is published once a year.
| 12-mo trend | ||||
|---|---|---|---|---|
| 🇬🇷Greece | 26.4%2025 | ▼ 2.5 | ▼ 6.9 | ▼ |
| 🇩🇰Denmark | 23.4%2025 | ▲ 8.8 | ▲ 9.3 | ▲ |
| 🇨🇭Switzerland | 15.3%2024 | ▲ 1.1 | ▲ 1.1 | ▲ |
| 🇳🇴Norway | 13.5%2025 | ▼ 1.9 | ▲ 4.1 | ▲ |
| 🇮🇸Iceland | 13.1%2020 | ▲ 0.5 | ▲ 4.9 | ▲ |
| 🇩🇪Germany | 11.2%2025 | ▼ 0.8 | ▲ 2.2 | ▲ |
| 🇸🇪Sweden | 10.8%2025 | ▲ 0.2 | ▲ 2.5 | ▲ |
| 🇪🇪Estonia | 8.8%2025 | ▲ 0.2 | ▲ 4.4 | ▲ |
| 🇨🇿Czechia | 8.2%2025 | ▼ 1.0 | ▲ 1.7 | ▲ |
| 🇱🇺Luxembourg | 8.1%2025 | ▲ 0.1 | ▼ 0.4 | ▼ |
| 🇪🇸Spain | 7.2%2025 | ▼ 0.6 | ▼ 1.0 | ▼ |
| 🇧🇬Bulgaria | 6.9%2025 | ▼ 1.1 | ▼ 7.5 | ▼ |
| 🇧🇪Belgium | 6.7%2025 | 0.0 | ▼ 1.0 | ▼ |
| 🇳🇱Netherlands | 6.5%2025 | ▼ 0.4 | ▼ 1.8 | ▼ |
| 🇫🇷France | 6.4%2025 | ▼ 0.6 | ▲ 0.9 | ▲ |
| 🇵🇹Portugal | 6.3%2025 | ▼ 0.6 | ▲ 2.2 | ▲ |
| 🇦🇹Austria | 6.1%2025 | ▼ 0.2 | ▼ 0.2 | ▼ |
| 🇲🇹Malta | 6.0%2025 | ▲ 0.1 | ▲ 3.2 | ▲ |
| 🇱🇹Lithuania | 5.7%2025 | ▼ 0.5 | ▲ 3.0 | ▲ |
| 🇱🇻Latvia | 5.7%2025 | ▼ 1.0 | ▲ 0.9 | ▲ |
| 🇭🇺Hungary | 5.3%2025 | ▼ 3.7 | ▲ 1.6 | ▲ |
| 🇮🇪Ireland | 5.3%2025 | ▲ 0.8 | ▲ 1.1 | ▲ |
| 🇮🇹Italy | 5.0%2025 | ▼ 0.1 | ▼ 2.2 | ▼ |
| 🇷🇴Romania | 5.0%2025 | ▲ 0.3 | ▼ 2.1 | ▼ |
| 🇫🇮Finland | 4.7%2025 | ▼ 0.7 | ▲ 0.6 | ▲ |
| 🇵🇱Poland | 4.1%2025 | ▼ 1.1 | ▼ 0.8 | ▼ |
| 🇸🇮Slovenia | 3.5%2025 | ▼ 0.3 | ▼ 0.9 | ▼ |
| 🇸🇰Slovakia | 3.5%2025 | ▼ 2.9 | ▲ 0.3 | ▲ |
| 🇭🇷Croatia | 3.2%2025 | ▼ 0.5 | ▼ 1.0 | ▼ |
| 🇨🇾Cyprus | 2.4%2025 | 0.0 | ▲ 0.5 | ▲ |
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Source: Eurostat (ilc_lvho07a) · released 2026-09-17 · modifications: none
Frequently asked questions
- Which European country has the highest housing cost overburden rate?
- Greece, at 26.4%.
- Which European country has the lowest housing cost overburden rate?
- Cyprus, at 2.4%.
- What is the euro-area average housing cost overburden rate?
- The euro-area average is 7.8%.